Privacy Policy

At Premium Mortgage Advice Ltd("we," "us," or "our"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, process, store, and share personal information from visitors to our website https://premiummortgageadvice.co.uk. It also outlines your rights regarding your personal information and how to contact us with questions or concerns.

By using our Website, you agree to the practices described in this Privacy Policy. If you do not agree, please refrain from using the Website.

1. Information We Collect

We collect personal information from Website visitors in the following ways:

a. Information You Provide Directly

When you interact with our Website, you may voluntarily provide personal information, such as:

- Contact Information: Name, email address, phone number, and postal address when you fill out forms (e.g., contact forms, mortgage inquiries, or appointment bookings).

- Financial Information: Details about your income, employment, credit history, or mortgage preferences when you request advice or use tools like our mortgage calculators.

- Account Information: Username, password, or preferences if you create an account or use our client portal.

- Feedback and Correspondence: Information you provide through surveys, feedback forms, or communications with our team.

b. Information Collected Automatically

When you visit our Website, we may automatically collect certain information using cookies, web beacons, and similar technologies:

- Usage Data: Pages visited, time spent on the Website, links clicked, and browsing behavior.

- Device and Technical Data: IP address, browser type, operating system, device type, and referral URLs.

- Cookies and Tracking: We use cookies to enhance your experience, analyze Website performance, and deliver personalized content. For details, see our [Cookie Policy](cookie-policy).

c. Information from Third Parties

We may receive information about you from third parties, such as:

- Lenders and Financial Institutions: Information related to your mortgage application or credit checks.

- Analytics Providers: Data from tools like Google Analytics to understand Website usage trends.

- Marketing Partners: Information from lead generation services or partners when you consent to share your details.

2. How We Use Your Information

We process your personal information for the following purposes:

- Providing Services: To offer mortgage advice, source mortgage products, process applications, and manage your inquiries or accounts.

- Improving Our Website: To analyze usage patterns, enhance user experience, and optimize Website functionality.

- Marketing and Communications: To send you updates, newsletters, or promotional offers about our services, where you have consented or where permitted by law (e.g., soft opt-in for existing clients). You can opt out at any time.

- Compliance and Legal Obligations: To meet regulatory requirements, such as anti-money laundering checks or Financial Conduct Authority (FCA) obligations.

- Customer Support: To respond to inquiries, complaints, or feedback and provide tailored assistance.

- Security: To protect our Website, detect fraud, and ensure the security of your data.

3. Legal Basis for Processing

We process your personal information based on the following legal grounds:

- Consent: Where you have given explicit consent, e.g., for marketing emails or cookies.

- Contract: To fulfill our contractual obligations, such as providing mortgage advice or processing applications.

- Legal Obligation: To comply with laws and regulations, such as FCA requirements or tax reporting.

- Legitimate Interests: For purposes like improving our services, ensuring Website security, or direct marketing to existing clients, provided your rights are not overridden.

4. How We Share Your Information

We may share your personal information with:

- Lenders and Financial Partners: To process mortgage applications, obtain quotes, or conduct credit checks, only with your consent or as part of our service.

- Service Providers: Third-party vendors who assist with Website hosting, analytics, payment processing, or customer support (e.g., cloud providers, CRM systems).

- Regulatory Bodies: When required by law or to comply with FCA regulations, anti-money laundering checks, or other legal obligations.

- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

- Marketing Partners: If you consent, we may share limited data with trusted partners for marketing purposes.

We ensure that any third parties receiving your data are bound by confidentiality agreements and comply with applicable data protection laws. We do not sell your personal information to third parties.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal obligations:

- Client Data: Mortgage-related data is retained for up to 7 years to comply with FCA regulations and tax laws.

- Website Usage Data: Analytics and cookie data are typically retained for up to 2 years, depending on the tool used.

- Marketing Data: Contact details for marketing are kept until you unsubscribe or withdraw consent.

When data is no longer needed, we securely delete or anonymize it.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

- Encryption of sensitive data (e.g., during transmission via SSL/TLS).

- Access controls to limit who can view your information.

- Regular security audits and updates to our systems.

However, no online system is 100% secure. If you suspect a data breach, please contact us immediately (see Section 11).

7. Your Data Protection Rights

Depending on your location and applicable laws (e.g., UK GDPR, EU GDPR), you may have the following rights:

- Access: Request a copy of the personal information we hold about you.

- Rectification: Correct inaccurate or incomplete data.

- Erasure: Request deletion of your data, subject to legal obligations.

- Restriction: Limit how we process your data in certain circumstances.

- Portability: Receive your data in a structured, machine-readable format.

- Objection: Object to processing for marketing or legitimate interests.

- Withdraw Consent: Revoke consent at any time, where processing is based on consent.

To exercise these rights, contact us at [insert contact email or form link]. We will respond within one month, as required by law. You may also lodge a complaint with a supervisory authority, such as the UK Information Commissioner’s Office (ICO) at [www.ico.org.uk](https://www.ico.org.uk).

8. Cookies and Tracking Technologies

Our Website uses cookies and similar technologies to enhance functionality, analyze performance, and provide personalized content. You can manage your cookie preferences through our [Cookie Policy](cookie-policy) or your browser settings. Essential cookies required for Website operation cannot be disabled.

9. International Data Transfers

If you are located outside the UK, your data may be transferred to or processed in countries with different data protection laws. We ensure such transfers comply with applicable regulations (e.g., UK GDPR adequacy decisions or Standard Contractual Clauses) to protect your data.

10. Third-Party Links

Our Website may contain links to third-party websites (e.g., lenders or partners). We are not responsible for their privacy practices. Please review the privacy policies of any third-party sites you visit.

11. Contact Us

If you have questions, concerns, or wish to exercise your data protection rights, please contact our Data Protection Officer:

- Email: info@premiummortgageadvice.co.uk

- Phone: 07389 776575

- Address: 164 Bromham Road, Bedford, UK

- Website: https://premiummortgageadvice.co.uk

12. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our Website with a revised "Last Updated" date. Please review this policy periodically.

13. Cookie Policy

Include a separate section or link to a detailed Cookie Policy if required, describing types of cookies (e.g., essential, analytics, marketing), their purposes, and how users can manage preferences.